Homeowners Insurance in Florida
Florida homeowners face unique risks — hurricanes, floods, sinkholes, and more. We help you compare available coverage options from multiple homeowners carriers based on your needs and selections.
Available Coverage Options
Coverage options, limits, deductibles, and availability vary by carrier and policy. Coverages are included only when selected or required by law.
- Dwelling coverage — may help repair or rebuild your home after a covered loss
- Other structures — fences, detached garages, sheds
- Personal property — furniture, electronics, clothing, and more
- Loss of use — may help with certain hotel and living expenses if your home is uninhabitable after a covered loss
- Liability coverage — may address certain injuries on your property
- Wind and hurricane damage (subject to deductibles and policy terms)
- Fire, theft, vandalism, and water damage from plumbing (subject to policy terms)
- Optional replacement cost coverage versus actual cash value
Why Turner Florida Insurance?
We work with multiple homeowners carriers, helping you compare available options based on your needs and coverage selections.
We help you identify and document wind mitigation features that may affect available premium credits, subject to carrier requirements and policy terms.
We help you compare available coverage limits based on estimated rebuilding costs, your needs, and the coverage you select.
We review your coverage annually and help you consider available updates as construction costs change.
Common Questions
Does homeowners insurance cover flood damage?
No. Standard homeowners policies explicitly exclude flood damage. You need a separate flood insurance policy. We offer both NFIP and private flood options.
What is a wind mitigation inspection?
A licensed inspector evaluates your home's hurricane-resistant features and provides a report that may support available premium credits, subject to carrier requirements and policy terms.
What is the difference between replacement cost and actual cash value?
Replacement cost may pay to replace damaged items with new ones of similar kind and quality, subject to policy terms. Actual cash value generally reflects depreciation. Ask about the limits, deductibles, exclusions, and endorsements that apply to each option.
Ready to Get Covered?
Get a free, no-obligation quote from a local Brevard County agent today.